Information and Reporing Unit, Banking Supervision Division					02/12/2003
Statement for the third quarter - consolidated
Israel Discount Bank Ltd. and its subsidiaries, Main data, NIS million
Taken from the quarterly report to 30.09.2003. Adjusted to the CPI for  09.2003.
Summary consolidated balance sheet	30.09.2003	31.12.2002	Banking group's share of the banking system
			30.09.2003	31.12.2002
Cash and deposits in banks	15,680	18,863	16.3%	19.7%
Securities	38,696	36,832	33.1%	32.8%
Credit to the public	75,941	74,634	13.4%	12.9%
Credit to the government	441	554	6.8%	7.0%
Investments in companies included on an equity basis	1,201	1,274	34.1%	35.3%
Buildings and equipment	2,118	1,963	20.1%	18.9%
Other assets	4,038	3,698	17.7%	17.8%
Total assets	138,115	137,818	16.8%	16.6%
Deposits of the public	118,802	120,216	17.7%	17.6%
Deposits of banks	4,931	4,069	21.8%	18.3%
Deposits of the government	178	167	1.0%	0.9%
Bonds and subordinated notes	3,982	3,802	10.3%	10.3%
Other liabilities	3,962	4,030	14.7%	16.5%
Total liabilities	131,855	132,284	17.0%	16.8%
Quasi-capital items	0	0	0.0%	0.0%
Minority shareholders' rights	473	451
Equity	5,787	5,083	13.2%	12.6%
Summary consolidated profit and loss statement	nine months to		Banking group's share of the banking system		three months to
			nine months to
	30.09.2003	30.09.2002	30.09.2003	30.09.2002	30.09.2003
Net interest profit before loan-loss provision	2,294.0	2,059.0	15.8%	16.2%	771.0
Loan-loss provision	621.0	665.0	13.8%	14.7%	233.0
Operating and other income	1,498.0	1,336.0	18.3%	17.4%	502.0
Of which: Operating income	1,209.0	1,142.0	18.1%	17.5%	425.0
Operating and other expenses	2,626.0	2,613.0	19.4%	19.9%	876.0
Of which: Salaries and related expenses	1,677.0	1,618.0	20.3%	20.2%	568.0
Ordinary profit before-tax provision	545.0	117.0	11.5%	3.7%	164.0
Provision for taxes on ordinary profit	346.0	221.0	15.1%	13.4%	86.0
Ordinary after-tax profit	199.0	-104.0	8.1%	not calculated	78.0
Bank's share in the profit of subsidiaries	89.0	-17.0			20.0
Share of minority shareholders in profit of consolidated companies	-48.0	-19.0			-16.0
Extraordinary after-tax profit	-173.0	49.0			-3.0
Net profit	67.0	-91.0	2.8%	not calculated	79.0
Profit after the effect of the difference between the known index and the "in lieu" index	64.0	-71.0	2.7%	not calculated
Balances and rates of return on financial items by indexation base on 30.09.2003 consolidated	Unindexed NIS	CPI-indexed  NIS	Foreign Currency (1)	Total financial items
Balance of financial assets on balance-sheet date	40,429	25,221	68,087	133,737
Balance of financial liabilities on balance-sheet date	43,830	22,798	65,149	131,777
Excess of financial assets over financial liabilities	-3,401	2,423	2,938	1,960
Total indexation balance (incl.forwards and options in term of basis assets)	350	2,209	-599	1,960
Rate of income on assets (percent) 2	11.46	6.74	-1.42	3.35
Rate of expenditure on liabilities (percent) 2	-8.93	-5.34	2.54	-1.75
Interest-rate differential	2.53	1.40	1.12	1.60
Problem borrowers	30.09.2003	31.12.2002
Total credit risk dew to problem borrowers	9,250	9,839
Total credit  to problem borrowers	8,690	9,226
Main financial ratios - consolidated (percent)	30.09.2003	31.12.2002
Equity/balance-sheet ratio	4.19	3.69
Finanancial capital/equity ratio	33.87	33.27
Equity/risk-weighted-assets ratio	9.29	9.30
Return on equity (net profit/gross weighted-capital ratio) 3	1.80	-0.70
Operating income/operating expenses ratio 4	57.04	49.09
1 Including foreign-currency indexed NIS.
2 Nine-month rate of income (expenses), on annual basis including hedging, embedded and ALM derivatives.
3 Annual basis.
4 For nine months. Comparative data are annual.
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